LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,161
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,788
−HK$637/mo
Today · 4.125%
HK$21,425
baseline
▲ 0.50% · 4.625%
HK$22,729
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,850/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,429
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,030
−HK$610/mo
Today · 4.125%
HK$23,640
baseline
▲ 0.50% · 4.625%
HK$24,887
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,280/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,193
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$765/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,274
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,420/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,914
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,636
−HK$732/mo
Today · 4.125%
HK$28,368
baseline
▲ 0.50% · 4.625%
HK$29,864
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,736/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,225
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,103
−HK$892/mo
Today · 4.125%
HK$29,995
baseline
▲ 0.50% · 4.625%
HK$31,820
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,990/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,400
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$855/mo
Today · 4.125%
HK$33,097
baseline
▲ 0.50% · 4.625%
HK$34,841
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,194/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,289
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,418
−HK$1,147/mo
Today · 4.125%
HK$38,565
baseline
▲ 0.50% · 4.625%
HK$40,912
+HK$2,347/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,130/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,372
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,454
−HK$1,099/mo
Today · 4.125%
HK$42,553
baseline
▲ 0.50% · 4.625%
HK$44,796
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,106/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,244 · Scale 2, in force from 26 Feb 2026)